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Reading Tube Employees

Reading, PA · Charter 9492

Q3 2008

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2008, the quarter ended September 30, 2008, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Reading Tube Employees

Reading, PA · Charter 9492

Q3 2008

$940KAssets
$417KLoans
$746KShares
$191KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.38%, down 50 bps year over year; NIM at 6.75%.
  • Asset quality: problem loans at 14.00% of loans (-556 bps YoY).
  • Capital: net worth / assets of 20.27%, up 89 bps from a year ago.
  • Funding: loans stand at 55.90% of shares as of Q3 2008.

Financial Results

Return on Assets (YTD, annualized)

-0.38%-50 bps YoY

Net Interest Margin (YTD, annualized)

6.75%-116 bps YoY

Efficiency Ratio (YTD, annualized)

105.33%+1,330 bps YoY

Net Worth / Assets

20.27%+89 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2007Q4 2007Q1 2008Q2 2008Q3 2008YoY ΔTrend
Earnings
Return on Assets0.12%0.09%0.00%-0.31%-0.38%-50 bps
Return on Equity0.62%0.47%0.01%-1.69%-1.87%-248 bps
Net Interest Margin7.91%7.68%6.83%6.18%6.75%-116 bps
Efficiency Ratio92.03%93.84%99.98%104.86%105.33%+1,330 bps
Growth
Asset Growth (YoY)-9.00%0.43%-2.15%0.61%-5.68%+332 bps
Loan Growth (YoY)-38.03%-29.06%-25.44%-24.65%-17.14%+2,089 bps
Share Growth (YoY)-11.13%0.22%-2.99%0.88%-6.62%+451 bps
Asset Quality
Delinquent Loans / Loans19.55%15.25%12.80%11.36%14.00%-556 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans8.70%7.81%8.64%7.89%8.47%-23 bps
Capital
Risk-Based Capital19.38%19.42%19.37%18.48%20.27%+89 bps
Net Worth / Assets19.38%19.42%19.37%18.48%20.27%+89 bps
Liquidity & Funding
Loans / Shares62.99%63.33%56.62%52.38%55.90%-710 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps